株式会社アプラス
Aplus Co., Ltd. is a Japanese payment collection agency (集金代行) and SBI Shinsei Bank Group subsidiary that aggregates account transfer, convenience store, Pay-easy, QR, and SMS-based billing across 1,200+ financial institutions and 68,000+ convenience stores, serving 20,000+ corporate clients across 9 verticals including education, healthcare, insurance, and subscription services.
- Company typePrivate
- Founded-
- HeadquartersOsaka (Suita), Japan
- Headcount11–50
- GTM typeB2B
- OfferingServices
What 株式会社アプラス does
Aplus Co., Ltd. (株式会社アプラス) is a Japanese payment collection agency (集金代行) and wholly-owned subsidiary of the SBI Shinsei Bank Group, headquartered in Naniwa-ku, Osaka, with a regional headquarters in Nihonbashi, Tokyo and a customer consultation office in Suita, Osaka. Founded in the 1980s, Aplus has operated in the bill-collection market for over 40 years and serves more than 20,000 corporate clients, claiming the largest annual settlement transaction count in the Japanese industry.
The company's core platform offers a multi-channel payment collection infrastructure that aggregates account transfer / direct debit (口座振替), convenience store payment (コンビニ収納代行, ~68,000 stores plus optional ~24,000 Japan Post branches via ゆうちょMT), Pay-easy internet/ATM payments, QR code payments, and an SMS/email-based instant billing service called My Payment (マイペイメント). The technology stack is built around cloud-based ASP systems (e-集金 for account transfer data creation, e-おまかせ for convenience-store slip and reconciliation management, the 集金代行online subscriber portal) integrated with over 1,200 financial institutions and 7+ smartphone payment apps (PayPay, Rakuten Pay, Rakuten Bank, AEON Pay, au PAY, PayB, FamiPay), secured by 128-bit SSL, Privacy Mark, and ISMS certifications.
Aplus monetizes primarily through transaction-based fees (per-transaction processing plus modest monthly base fees, generally fixed regardless of payment amount and lower than credit card processing for larger amounts) across account transfer, convenience store, Pay-easy, and shopping credit/card services, supplemented by an optional Advance Payment (アドバンスペイメント) early-funds-delivery managed service. Go-to-market combines a direct field-sales model (face-to-face consultation and implementation support) with inside-sales/website inquiry funnels, targeting 9 vertical segments — learning centers, insurance, health food/direct sales, delivery, healthcare/elderly care, telecom, real estate rental, office equipment, and subscription services — with a customer mix spanning enterprise and SMB clients.
株式会社アプラス firmographics
Firmographics- Name
- 株式会社アプラス
- Legal name
- 株式会社アプラス
- Website
- https://syukin.aplus.co.jp
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Aplus Co., Ltd. is a Japanese payment collection agency (集金代行) and SBI Shinsei Bank Group subsidiary that aggregates account transfer, convenience store, Pay-easy, QR, and SMS-based billing across 1,200+ financial institutions and 68,000+ convenience stores, serving 20,000+ corporate clients across 9 verticals including education, healthcare, insurance, and subscription services.
- Ownership category
- akta.pro rank
株式会社アプラス industry classification
Industry- Product category
- Payment Collection Agency Services
- NAICS
- Collection Agencies (561440), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Biller Direct EBPP Platforms (FSAMAJAA)
- akta.pro secondary industries
- Agent-Assisted / Retail Bill Payment Networks (FSAMAJAD), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Recurring Billing & Subscription Payments Enablement (FSAMACAF)
Keywords
Where 株式会社アプラス is headquartered
LocationHeadquarters
- HQ city
- Osaka (Suita)
- HQ country
- Japan
- HQ region
- Asia
Offices3 records
Markets served
株式会社アプラス business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Account Transfer Collection Services: Fees charged per transaction for account-to-account automatic payment collection services, including per-transaction processing fees, monthly base fees, and transfer fees. Pricing is transaction-based with fixed rates regardless of payment amount, generally lower than credit card processing fees for amounts over several thousand yen.
- Convenience Store Collection Services: Collection services utilizing nationwide convenience store network for payment processing, with revenue generated through per-transaction fees and optional outsourcing service fees
- Pay-easy Payment Services: Internet banking and ATM-based payment settlement services generating revenue through transaction fees per payment processed
- Shopping Credit and Card Business: Shopping credit, auto credit, and credit card services including affiliated cards and card-based lending
- Advance Payment Service (Optional): Early fund delivery service allowing clients to receive transferred funds before standard settlement dates for cash flow improvement, with associated service fees
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Transaction-based pricing with monthly base fee and per-transaction charges |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels5 records
株式会社アプラス product offering
Product offeringCore offering
株式会社アプラス provides outsourced payment collection agency (集金代行) services to corporate clients, accepting payments on their behalf from end customers through multiple channels including account transfer (口座振替), convenience store payment (コンビニ収納代行), Pay-easy, My Payment (SMS-based), smartphone app bill payment, QR code payment, and rent collection. The company supports billing data creation, payment receipt, automated reconciliation, and customer notification, enabling businesses to outsource the entire receivables workflow.
Product overview
Aplus, part of the SBI Shinsei Bank Group, operates a comprehensive collection agency (集金代行) service platform with over 40 years of industry history serving more than 20,000 corporate clients. The platform offers a unified multi-channel collection solution portfolio centered on five core service categories: (1) 口座振替サービス (Account Transfer/Direct Debit) — the core direct debit collection service with nationwide coverage of nearly all financial institutions; (2) コンビニ収納代行サービス (Convenience Store Collection) — utilizing ~68,000 convenience stores plus optional Japan Post; (3) マイペイメントサービス (My Payment Service) — SMS/instant notification-based collection with smartphone barcode display; (4) ペイジー決済サービス (Pay-easy Payment) — internet banking and ATM-based payments; and (5) 家賃サービス/QRコード決済 (Rent Collection/QR Code Payment). The platform provides flexible deployment through multiple service tiers including the web platform (e-集金, s-web方式), the terminal-based ペイジー口座振替受付 service, and the web-based web口座振替受付 service. Additional value-added services include スマホアプリ請求書払い (free smartphone app payment options: PayPay, Rakuten Pay, FamiPay, au PAY, PayB, AEON Pay), アドバンスペイメントサービス (early payment), and the dedicated subscriber portal 集金代行online. The architecture supports industry-specific customization across subscription services, insurance, real estate, education, healthcare, delivery, telecommunications, and office equipment sectors.
Differentiator
Problem solved
Functional benefit
Products and services
- 集金代行サービス (Payment Collection Agency Service)
- 口座振替サービス (Account Transfer / Direct Debit Service)
- コンビニ収納代行サービス (Convenience Store Collection Service)
- ペイジー決済サービス (Pay-easy Payment Service)
- マイペイメントサービス (My Payment Service)
- スマホアプリ請求書払いサービス (Smartphone App Bill Payment Service)
- QRコード決済サービス (QR Code Payment Service)
- アドバンスペイメントサービス (Advance Payment Service)
- 家賃サービス (Rent Collection Service)
- web口座振替受付サービス (Web Account Transfer Registration Service)
- ペイジー口座振替受付サービス (Pay-easy Account Transfer Registration Service)
- 集金代行online (Collection Agency Online Portal)
- e-おまかせ (e-Omakase Convenience Store Slip ASP)
- e-集金 (e-Shukin Collection ASP)
- 払込票作成代行パッケージ (Payment Slip Creation Package)
- web口振ウェブページ作成代行パッケージ (Web Direct Debit Page Creation Package)
- ゆうちょMT伝達サービス (Japan Post MT Transfer Service)
Quantifiable outcome
- Collection rate improvement from 89% to 99.3% (11 percentage point increase)
- +5 more outcomes
Companies that use 株式会社アプラス
Customer profileNamed customers12 records
Segments9 records
Ideal customer profiles6 records
株式会社アプラス technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration26 records
Feature6 records
株式会社アプラス partnerships and signals
Strategic signalScale indicators6 records
Recent moves5 records
Expansion highlights6 records
株式会社アプラス competitors and assessment
Company assessmentBroad incumbents
- SBI Payment Service: Fellow SBI Group payment subsidiary providing merchant acquiring and payment-processing services. Sister entity under the same parent as Aplus, with overlapping customer base and potential internal cannibalization or, conversely, cross-sell synergies.
- GMO Payment Gateway: Largest independent Japanese online payment gateway and EBPP provider. Overlaps with Aplus in recurring billing, convenience-store payment integration, and multi-rail collection, but operates at much larger scale and across additional product lines (BNPL, ID, security).
- Orico: Major Japanese consumer-finance and credit-card company offering account-transfer collection and shopping-credit services. Comparable to Aplus on the credit and direct-debit side, though Orico is far larger and more diversified.
Direct peers
- Net Protections: Japanese B2B payment-service provider offering deferred-payment and B2B collection services. Peer to Aplus in enterprise bill collection, with comparable vertical focus on SMB recurring receivables.
- ROBOT PAYMENT: Tokyo-listed Japanese EBPP and recurring-billing platform serving subscription and SMB billers. Closest direct peer to Aplus — both monetize per-transaction fees on account-transfer and convenience-store-based collection rails, and both sell into subscription-style verticals.
- Epsilon: Japanese payment service provider offering online payment processing, recurring billing, and convenience-store/Pay-easy collection. Direct peer competing for the same Japanese SMB and subscription biller segment as Aplus.
- SBPS (SoftBank Payment Service): SoftBank Group payment services subsidiary providing comprehensive payment processing, settlement, and collection services for Japanese enterprises. Direct EBPP and collection competitor with stronger tech-stack and parent-group distribution.
- Paygent: Multi-rail Japanese payment processor jointly owned by Veritrans and NTT Data, supporting credit card, convenience-store, account-transfer, and carrier billing. Direct peer for SMB billers seeking multi-channel payment collection in Japan.
- DG Financial Technology (formerly Veritrans): Digital Garage Group payment processor offering online payment gateways, recurring billing, and B2B collection services across Japan. Direct competitor to Aplus in EBPP and bill-collection, with significantly stronger API-first and developer tooling.
- JACCS: Major Japanese consumer credit and installment-finance company that also operates collection and account-transfer services. Comparable to Aplus's credit-card and shopping-credit revenue stream and overlapping customer base in recurring billing.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
株式会社アプラス social profiles
Digital presence株式会社アプラス compliance and trust
Trust signalCompliance2 records
株式会社アプラス financial estimates
Financial estimateRevenue estimate
Valuation estimate
株式会社アプラス leadership team
Management profileNumber of profiles
Profiles1 record
株式会社アプラス funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
株式会社アプラス M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about 株式会社アプラス
What does 株式会社アプラス do?
株式会社アプラス provides outsourced payment collection agency (集金代行) services to corporate clients, accepting payments on their behalf from end customers through multiple channels including account transfer (口座振替), convenience store payment (コンビニ収納代行), Pay-easy, My Payment (SMS-based), smartphone app bill payment, QR code payment, and rent collection. The company supports billing data creation, payment receipt, automated reconciliation, and customer notification, enabling businesses to outsource the entire receivables workflow.
Is 株式会社アプラス a public or private company?
株式会社アプラス is a private company. It is classified as corporate owned and is currently operating.
When was 株式会社アプラス founded?
株式会社アプラス was founded in -1. It employs 11 to 50 people.
Where is 株式会社アプラス based?
株式会社アプラス is headquartered in Osaka (Suita), Japan, in the Asia region.
How does 株式会社アプラス make money?
Five revenue lines are on record. Account Transfer Collection Services are the primary driver. The others are convenience Store Collection Services, pay-easy Payment Services, shopping Credit and Card Business and advance Payment Service (Optional).
Who are 株式会社アプラス's main competitors?
Broad incumbents on record are SBI Payment Service, GMO Payment Gateway and Orico. Direct peers are Net Protections, ROBOT PAYMENT, Epsilon, SBPS (SoftBank Payment Service), Paygent, DG Financial Technology (formerly Veritrans) and JACCS.
Does 株式会社アプラス have an API?
No public API is recorded for 株式会社アプラス.
What industry is 株式会社アプラス in?
株式会社アプラス's product category is Payment Collection Agency Services. Its primary akta.pro industry code is FSAMAJAA, Biller Direct EBPP Platforms, with a secondary code of FSAMAJAD, Agent-Assisted / Retail Bill Payment Networks. Its NAICS code is 561440 and its SIC code is 7320.